Income Desk
Qualifying income across W-2, self-employed, rental and retirement — each figure cited to the document it came from. With rep-and-warrants
Income across W-2, self-employed, rental and retirement, every figure cited to the page it came from — and anything below the confidence floor handed to your underwriter named.
What it displaces
The stack of paystubs and the umpteen edge cases.
A qualifying figure your underwriter can defend, and rep-and-warrant relief on the calculations that earn it.
What it does
- 01
Calculates qualifying income across W-2, self-employed, rental and retirement
- 02
Runs eligible calculations with representation-and-warranty relief
- 03
Cites every figure to the page of the document it came from
- 04
Re-runs when a borrower’s income picture changes mid-file rather than leaving a stale number in the LOS
What it leaves behind
- W-2 base$6,250 / moW-2 2025 p.1
- K-1 distributions$2,104 / mo1065 K-1 p.2
- Rental, net$1,064 / moSch. E p.3
Fannie Mae Income Calculator · rep-and-warrant eligible
Human-in-the-loop
No guesswork. Exceptions routed to humans
A calculation below its confidence floor stops and goes to your underwriter as a named exception — with the figure, the documents it read, and the specific question that would settle it.
How a decision is made and provedWhat it runs on
1 of 3- Document Intelligence
Intake, income, condition clearing, Closing Disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Closing Desk
- QC Desk
The rest of the origination side
All 9 origination desks- 01Loan Officer AssistantAnswers every lead in seconds and books the LO.
- 02POSThe borrower’s front door, inside the system.
- 03Indexing AgentEvery page split, named and filed the moment it lands.
- 04Document ConciergeGets the full document set before underwriting asks.
- 06Conditions ManagerCreates conditions against the guide, then clears them.
- 07TRID & Cure ManagementWatches every clock, catches every cure.
- 08Pre-Close QC AgentEvery file before it funds, not a ten percent sample.
- 09Compliance AgentEvery loan-officer call scored, none sampled.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study